Tools

Debt Service Coverage Check

DSCR is the single most important ratio lenders use to evaluate LAP and commercial loan applications. Check yours before you apply.

Your Numbers

Monthly Net Income / Rental Income₹ 1,50,000

After taxes, before loan repayments

Existing Monthly Debt Obligations₹ 1,00,000

All current EMIs and loan repayments

New Loan Details (LAP / Business Loan)

Property Value₹ 50,00,000

Loan Amount Requested₹ 30,00,000

Rate (% p.a.)

Tenure (months)

Current DSCR

1.50

Strong

DSCR with New Loan EMI

New EMI: ₹ 30,876/month

1.15

Marginal

Loan to Value (LTV)

LTV Ratio60.0%

Most lenders approve up to 65% LTV for LAP. Above 75% is typically declined.

What do these numbers mean?

≥ 1.50

Strong — Most lenders approve comfortably

1.25 – 1.49

Acceptable — Approvable with good documentation

1.00 – 1.24

Marginal — Borderline — needs strong profile

< 1.00

Weak — Likely declined by most lenders

Want to improve your DSCR?

Our experts can help you structure the loan to maximise approval chances.